It amazed me to actually meet someone without a credit history, not a bad credit history, but no credit history; this person has always paid for everything in cash!

We live in a society that runs on credit. There is always a business out there to extend credit to you so you can buy a house, car, start a business and everything in between.

However, credit isn’t just handed over. A person has to prove their creditworthiness. Lenders base their decision on your three-digit credit score.

Even if you’re not looking for a loan to buy a house or a car, your credit history impacts practically everything you do in this world. Credit or the lack thereof has the potential to determines the quality of your living.

Credit is a determining factor on where you live, your insurance rates, and even if you gain viable employment; it also can help you with funding, if you start a business. Lenders want to make sure they are dealing with reliable and responsible people.

Even landlords consider the rental agreement/ lease as a loan. They are loaning you a place to live in exchange for payment. If your credit history is bad or if you don’t have a credit history, you may get denied for an apartment or be charged a higher security deposit and rent than the other tenants for the same living conditions.

Now if you are in the market to buy a car and haven’t saved up for the entire cost, you will need a loan. Your credit will determine the type of vehicle the lender will offer to you as well as the monthly payment and the interest rate.

Most employers check applicants credit history to determine financial responsibility. Their concern also includes making sure that the new hire doesn’t have more debt than the income being offered. Good credit equates to having good character.

If you want to start a business or grow the one you have it takes money, and in case you don’t have cash lying around you will need credit to qualify for a business loan.

Credit is required to get utility services. Gas, light, cable and phone companies do credit checks before extending service and oftentimes require security deposits with stipulations that if one payment is missed, the money is forfeited.

As you see, having no credit isn’t that much better than bad credit because it doesn’t show lenders your ability to pay back debt. Unfortunately, your payment history is a reflection of whether or not the rest of your life is on track.

Begin to establish good credit today by opening a bank account, getting copies of your credit reports, and apply for credit with companies who report to the three major credit bureaus.

Kevin shares his remarkable hardship of him being in prison and how he was able to triumph in the end. http://100percentfinanced.com/ Subscribe to receive our 24 FREE financial tools as well as to access our webinar. http://100percentfinanced.com/services/ http://100percentfinanced.com/rei-coaching/ http://100percentfinanced.com/e-books/ http://100percentfinanced.com/events/

Great podcast with Tharon: An insurance broker that will help you insure your assets. Description: http://100percentfinanced.com/ Subscribe to receive our 24 FREE financial tools as well as to access our webinar. http://100percentfinanced.com/services/ http://100percentfinanced.com/rei-coaching/ http://100percentfinanced.com/e-books/ http://100percentfinanced.com/events/

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Janine

Writer and Credit Specialist

Janine Herrera is a writer/ blogger and credit specialist for 100 Percent Financed. As she continues to develop personally and professionally, she constantly gains a deeper appreciation for life by building a solid foundation on the principle of aesthetics. Janine believes that life is a gift, and it is symbolic of beauty, grace and elegance. When she’s not hard at work for 100 Percent Financed, she finds pleasure in home décor and design, handcrafting soap, gardening, or watching a comedy with family and friends.

Chassity

Account Executive

My Story

Chassity Clark began as a coaching student of 100 Percent Financed. Upon completion of the coaching program she was offered a job with 100 percent financed. Now in her day to day operations, she provides value to clients while assisting them with questions and concerns that they may have about credit or real estate. She really enjoys being able to help people better themselves.

Chassity’s Personal mission statement
My mission is to create an abundant life, to continue learning and growing with every step.

Laura Carmichael

Operations & HR Manager

My Story

While Laura worked at Microsoft, it was common for her to have 80+ hour work weeks. As much as Laura hated the long hours, Laura felt compelled to stay there. The work was enjoyable. Moreover, her job paid extremely well and allowed her to send her son to the best schools, sports programs, and enrichment programs in the area. The benefits were great, too.

Shortly after Laura’s mother died, Laura realized that she had lost track of what really mattered. As a result, she had made a mess of her and her son’s life. Unfortunately, she had no idea how to fix things. She cried out to the God of Israel asking Him to fix things in a way she could not mess them up.

Shortly after that, on her 10 year work anniversary at Microsoft, Laura was given notice that her job was being outsourced. Microsoft gave her a very nice severance package. Laura had no idea what to do. She wanted to work from home and have control over her time so she could spend more time with her son.

Instead of getting another job, Laura decided to pursue financial freedom by starting her own business. Laura currently partners with 100 Percent Financed in certain areas. She is extremely happy to have control over her time while being able to assist others in achieving their dreams and goals.

How Will Laura Take Care of Her Client

Laura will leverage her skills and talents to better enable 100 Percent Financed to succeed in its goal: Empowering every client to achieve their dreams and goals.

By doing so, she will be able to help a great many people improve their lives.

Laura’s Personal Mission Statement

To empower others to achieve their dreams and goals while having fun at the same time.

Ryan

Sales Director

Your Story
Ryan is an ATLien (Atlanta enthusiast) who does sales management, in that order. After earning a degree from The University of Georgia, he began a career at Enterprise, building a reputation for a high level of service and commitment to results. The autonomy he established as a sales professional shaped the beginnings of his entrepreneurial mindset.

Although curious, mentorship from Juan Pablo inspired his dive into the world of personal finances, real estate, and entrepreneurship. He’s came a long way — from 500 credit scores to excellent credit, from lifetime renter to owner of 17 rental units, from clock puncher to wake up when you feel like it money.

How Ryan Will Take Care of Clients
Desire is often suppressed by obstacles, constructed in all forms. Ryan understands this and his aim is to assist you with process of unveiling your passions to the world. His attention to detail and sincere concern for your needs allow him to facilitate change.

Ryan’s Personal Mission Statement
To have fun learning from my mistakes and to help others to avoid my mistakes altogether.

Juan Pablo

CEO

My Story

Investing in real estate is my trade. Obtaining financial freedom was my accomplishment. Helping others improve their financial situation, so they can quit their day job in five years or less, is my mission. Being an online entrepreneur is my passion.

I have purchased and managed over 63 rental units for more than six years receiving over $20,000/month in gross rent. I am a full-time real estate investor specializing in buy and hold strategies, using creative financing, property management, and rehabbing distressed properties.

As of September 2017, I have over 42,000 subscribers on both my website (http://www.100percentfinanced.com/) and my YouTube Channel 100 Percent Financed. Several of my Youtube videos have generated over a 3,000,000 views. I currently coach clients on a one-on-one as well as group basis once a month. Personally, I’ve successfully obtained over $210,000 in business credit and helped clients obtain more than $1,000,000 in business funding. Moreover, we’ve assisted over 500 clients in improving their personal FICO score.

Louis Solomon

Marketing Director

Louis graduated from Syracuse University Undergrad with a bachelor’s degree in Chemical Engineering and another in Chemistry. Louis then went on to pursue a Ph.D. in Material Science and Engineering at Cornell University. It was at Cornell where Louis used his spare time wisely to invest in real estate part-time.
Fast forward to today, Louis has acquired 23 rental units without using any banks or conventional financing. Louis a.k.a King Louie V got this title from being able to structure creative opportunities for himself and his partners. King Louie V has structured and completed 25 Wholesale deals, 18 Lease Option deals, 27 Buy and Hold deals, and he also runs three non-Real Estate Businesses Passively.